Car Insurance for Age 46-55 in Kentucky

Average auto insurance rates for 46-55 year old drivers in Kentucky (KY), including male vs female rate comparison.

Avg Annual Rate

$2,090

$450 above national avg

Male Rate

$2,134/yr

Female Rate

$2,046/yr

Cost Rank

of 51 states

Male vs Female Rates — Age 46-55 in Kentucky

Gender	Annual	Monthly	vs Average
Male	$2,134	$178	+$44
Female	$2,046	$171	$-44
Average	$2,090	$174	—

Male drivers aged 46-55 pay $88 more per year in Kentucky.

All Age Groups in Kentucky

Age Group	Average	Male	Female
16-19	$5,940	$6,710	$5,170
20-25	$3,960	$4,400	$3,520
26-35	$2,420	$2,530	$2,310
36-45	$2,200	$2,244	$2,156
46-55 ←	$2,090	$2,134	$2,046
56-65	$2,024	$2,068	$1,980
65+	$2,310	$2,376	$2,244

Most & Least Expensive States for Age 46-55

Most Expensive

#1	Michigan	$2,565
#2	Louisiana	$2,470
#3	Florida	$2,375
#4	New York	$2,204
#5	Kentucky	$2,090
#6	Colorado	$1,995
#7	Georgia	$1,995
#8	California	$1,966
#9	Nevada	$1,966
#10	Oklahoma	$1,928

Least Expensive

#51	Maine	$855
#50	Vermont	$950
#49	New Hampshire	$998
#48	Idaho	$1,045
#47	Hawaii	$1,206
#46	Wisconsin	$1,216
#45	Ohio	$1,226
#44	North Carolina	$1,282
#43	Iowa	$1,282
#42	North Dakota	$1,292

Kentucky Insurance Overview

State Avg Premium

$2,200/yr

Fault System

No-Fault

Uninsured Rate

13.8%

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

How much does car insurance cost for age 46-55 in Kentucky?

The average annual car insurance premium for 46-55 year olds in Kentucky is $2,090 (about $174/month). This is $450 above the national average of $1,640 for this age group.

Do males or females pay more for car insurance at age 46-55 in Kentucky?

In Kentucky, male drivers aged 46-55 pay more — $2,134/yr for males vs $2,046/yr for females, a difference of $88 per year.

How does Kentucky rank for age 46-55 insurance costs?

Kentucky ranks #5 out of 51 states for car insurance costs for 46-55 year olds (most expensive first). The cheapest state for this age group is Maine at $855/yr, while Michigan is the most expensive at $2,565/yr.

Why is car insurance more expensive for age 46-55 in Kentucky?

Insurance rates for 46-55 year olds in Kentucky are influenced by the state's no-fault system, local accident rates (55,423/yr), uninsured driver rate (13.8%), and population density. Kentucky has 3,694,920 registered vehicles.

How can 46-55 year olds save on car insurance in Kentucky?

46-55 year olds in Kentucky can save by: comparing quotes from multiple insurers (GEICO is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 46-55 Rates in Other States

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